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    <h1>
        Insurance Glossary</h1>
        <br />
    <p>
         <span style="font-size: 15px; color: #FE2E9A">Agent: </span>He is a person appointed
                                    by the insurer to work on behalf of the insurer.
                                    <br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Assignee: </span>It is that person
                                    who gets the benefits of a policy.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Claim: </span>A request filed by an
                                    insured to the insurance company to pay for services obtained from a health care
                                    professional.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Certificate of Insurance: </span>The
                                    description of the benefits and coverage provisions forming the contract between
                                    the carrier and the customer. Discloses what is covered, what is not and the cash
                                    limits.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Cumulative Bonus: </span>cumulative
                                    bonus is similar to no claim discounts. For every claim free year, the sum insured
                                    will progressively increase by 5%. However, the cumulative bonus is subject to an
                                    amount that can never exceed 50 percent of the Capital Sum Insured and that the
                                    policy was renewed continuously.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Deductible: </span>The amount of loss
                                    borne by the insured. This loss can be a certain money amount or a percentage of
                                    the claim amount. Bigger the deductible, lower is the premium.
                                    <br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Dependents: </span>Spouse and/or unmarried
                                    children (whether natural, adopted or step) of an insured.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Exclusions: </span>These are those
                                    conditions or circumstances for which an insured will not be given any benefit.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Insurer: </span>The insurance company
                                    that assumes responsibility for the risk, issues insurance policies and receives
                                    premiums.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Long-Term Care Policy: </span>Insurance
                                    policies that cover specified services for a specified period of time. Long-term
                                    care policies (and their prices) vary significantly. Covered services often include
                                    nursing care, home health care services, and custodial care.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Long-term Disability Insurance: </span>
                                    Pays an insured a percentage of their monthly earnings if they become disabled.
                                    <br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Premium: </span>The monthly amount
                                    you or your employer pays in exchange for insurance coverage.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Policy: </span>It is a legal document
                                    which acts as a contract between the insurer and insured. It contains conditions
                                    of the insurance.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Pre-existing condition: </span>A medical
                                    condition of an individual is excluded from coverage if the condition is believed
                                    to have existed prior to obtaining the policy from a particular insurance company.<br />
                                    <br />
                                    <span style="font-size: 15px; color: #FE2E9A">Network: </span>A group of doctors,
                                    hospitals and other health care providers contracted to provide services to customers
                                    of the insurance companies for less than their usual fees. Provider networks can
                                    cover a large geographic market or a wide range of health care services. Insured
                                    individuals typically pay less for using a network provider.<br />
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